Good Wireless Cellular Phone Plan

Hi all,

I am new to Cellular phone based internet access. Here's what I want:

1. Cellular Phone
2. Wieless Internet access for trading, email checking..
3. Very basic PDA functions, such as calendar, and addresses.

Here are my questions:
1. Any good plans? I went to several major vendors' site, and it was
a bit confusing. Most reasonable plans start around $60-70 month.

2. Will I save by purchasing the phone separately and have one of the
wireless carriers activating it?

thanks,

andy